When January 1st comes around each year the internet is filled with New Years resolutions, brand new engagements, and FAFSA jokes. College students and their parents are swarmed with emails, phone calls, and flyers about when to file FAFSA, how to do it properly, and what you will get back in return. Thus, the long trek of filing out an application and anxiously awaiting to see what funding will be granted begins.
One tweet that particularly caught my eye this FAFSA season by @njavish that said, “Too rich for FAFSA, too poor for college tuition.” This sentence explains the problem that is facing many college students and their parents today. FAFSA is awarded based off of an individuals need for grants and loans to attend a higher-level institution—which sounded like a pretty reasonable system to me, until I started to file FAFSA for myself. What I realized was that although I was providing solely for myself (paying for college tuition, food, housing, insurance, etc.) the website only allowed me to put that I was a dependent to my parents, and therefore I had to file under my parents wage bracket. Filing under my parents wage bracket made it so that I didn’t qualify for any grants and only qualified for a small amount of money in loans. What I was left with was almost $31,000 between how much money I was awarded with FAFSA, and how much I had to pay out of pocket for my first year of college. Obviously, the loans provided didn’t even come close to covering the full amount needed to attend school.
So the obvious question I was asked was, “Well why didn’t you claim yourself as an independent on your FAFSA?” Well, the tricky part was that during my application, the series of questions I was asked to determine if I was an independent or a dependent seemed to be purposefully unattainable for an 18-year-old. The questions included:
1) Will you be 24 or older by Dec. 31 of the school year for which you are applying for financial aid?
2) Will you be working toward a master’s or doctorate degree?
3) Are you married or separated but not divorced?
4) Do you have children who receive more than half of their support from you?
5) Do you have dependents (other than children or a spouse) who live with you and receive more than half of their support from you?
6) At any time since you turned age 13, were both of your parents deceased, were you in foster care, or were you a ward or dependent of the court?
7) Are you an emancipated minor or are you in legal guardianship as determined by a court?
8) Are you unaccompanied youth who is homeless or self-supporting and at a risk of becoming homeless?
9) Are you currently serving on active duty in the U.S. armed forces for purposes other than training?
10) Are you a veteran of the U.S. armed forces? (Dependency Status, 2013).
After answering these questions, I was left to believe the only thing I could do to become an independent to gain more money in financial aid was to click the box pertaining to at a risk of becoming homeless, because truthfully, I was.
Since there is such a lacking amount of money that is given in financial grants, aid and scholarships, it is estimated that 60% of students earning bachelors degrees graduate with $26,500 in debt (Lewin, 2012). Because FAFSA does not help me with my college expenses I am forced to work two jobs and try to attend school full time in the hopes of not graduating with almost $27,000 in debt. My college experience has been affected by the hours I have to work because I am not always able to study as much for exams or attend office hours of professors due to a conflicting work schedule. Even with working as many hours as I work, I fall short of the total amount of money required to pay for a four-year bachelor’s degree. This problem is not an individualistic problem, rather it can be attributed to a structural problem. As the picture depicts, buying a gun is easier than affording my education. Let’s make that the new FAFSA joke.
Lewin, T. (2012). Student-loan borrowers average $26,500 in debt. The New York Times. Retrieved from http://www.nytimes.com/2012/10/18/education/report-says-average-student-loan-debt-is-up-to-26500.html?_r=0
Dependency Status. (2013). Federal Student Aid. Retrieved from https://studentaid.ed.gov/sa/fafsa/filling-out/dependency#dependent-or-independent
note: indentations were not possible due to the formatting of Tumblr